Questions you're (politely)
too embarrassed to ask.

Nope. We're a platform that generates legally-correct documents and walks you through the process. For stuff that needs an actual lawyer (defended matters, complex disputes), we'll refer you to a partner firm. Everything on YourDosh is educational / self-help — not legal advice.

Probably. They already do though — you're the one they owe money to. We keep all communications within ACCC debt collection guidelines: respectful tone, appropriate contact hours, no harassment. Professional, firm, not nasty.

Welcome to debt collection. That's why there are multiple steps. A Letter of Demand they can ignore. A Statutory Demand against their Pty Ltd — if ignored for 21 days — means you can apply to wind them up. That tends to get attention.

It's a formal notice under section 459E of the Corporations Act 2001. You can issue one to any Pty Ltd that owes you over $4,000 on a debt that isn't genuinely disputed. They have 21 days to pay, settle, or apply to have it set aside. If they do none of those, you can apply to wind up the company. Most companies pay. Fast.

Clean debt, company debtor, pays on LoD: $79. Clean debt that needs a Statutory Demand and they pay: $79 + $349 = $428. Full court pathway including filing fees and enforcement: roughly $800–$2,500 all in. Way cheaper than a solicitor, who'll burn through $3k before you've filed anything.

Depends on the path. Small claims tribunals generally don't award legal costs (but filing fees often recoverable). General Magistrates/Local Court — partial costs usually recoverable on scale. Statutory Demand — if they pay up, they often cover your costs to avoid escalation.

We'll introduce you to a partner litigation firm. Our sweet spot is $1k–$100k because that's where the DIY economics work. Above that, you want proper representation.

6 years from when the debt became due in every state except NT (3 years). Don't wait. Evidence gets lost, debtors disappear, and the clock runs.

Get it in writing. We have a Payment Plan Agreement template. If they default, you still have all your rights — the agreement preserves the debt.

We share what's required to pursue the debt — your name as creditor, the amount, what it's for. We don't share your internal notes, your financial position, or anything the debtor doesn't need to know.